Again a bearer of the "Re-set" news.....
I found that I had a photo program that hides photos on the SD card that will not play well with the new Kit-Kat up-date.
This is an issue with the new security policies in KK, not the phone.
So, do a factory re-set and then make sure all your apps are up to date for Android 4.4.2+.
Sorry, but it can be fixed.